JOB SUMMARY:

The Loan Officer is responsible for preparation, analysis, documentation and disbursement of all types of loans with strong emphasis and experience in commercial lending.  This position is also responsible for soliciting new loan and deposit account relationships.  This responsibility shall be conducted within the contextual goal of developing, implementing and maintaining the integrity of the bank’s loan policies with special emphasis on the sufficiency of credit and collateral documentation.

KNOWLEDGE:
 

Abilities & Skills:

• Excellent written and oral communication skills
• Excellent customer service and organizational skills
• Excellent financial analysis skills
• Proficiency with various computer software (Windows, Word, Excel, Explorer), business machines and office equipment
• Self-starter with ability to exercise considerable initiative, accuracy, confidentiality and logical judgment
• Ability to recognize and implement process and technology efficiencies within the lending and retail teams

Training and Experience:

• High school diploma or equivalent required
• BS or BA degree preferred
• Previous bank experience required

ESSENTIAL OPERATING RESPONSIBILITIES:

• Live and be an active member of the St. Marys community
• Possess appropriate interaction and cooperation with all employees of the bank
• Solicit new loan and deposit account relationships
• Ensure bank loan policies and procedures are followed
• Interview applicants for loans
• Request needed information to process loans
• Analyze applicant’s financial status to obtain loan
• Correspond with others to resolve questions in regard to loan
• Compile loan package and facilitate negotiation with applicant according to established standards
• Ensure loan agreements are accurate and complete
• Assure timely closing and funding
• Initiate collection of delinquent loans
• Perform other duties as may be assigned